Review from Juliemac (3359 views)

< Prev Next >
  • Review of: ClearDebt
  • Review date: 21 December 2007
  • Insolvency Practitioner who handled case: David Emanuel Merton Mond
  • I proceeded as far along as: Accepted IVA
  • The solution I opted for in the end: IVA
  • Speed of response
  • No of days to make a decision after I spoke to IVA company: 1 days
  • Weeks to IVA proposal after decision made: 2 weeks
  • Weeks to IVA accepted/rejected after decision made: 2 weeks
  • IVA Company Ratings
    • Their debt solutions expertise:
      10 out of 10
    • Their customer service:
      10 out of 10
    • Their speed of response:
      10 out of 10
    • Overall Company Rating:
      10 out of 10
  • Insolvency Practitioner Ratings
    • The quality of IVA proposal:
      10 out of 10
    • Overall Insolvency Practitioner Rating:
      10 out of 10
  • My circumstances:
  • I am a secretary living in London, separated, with a 14 year old daughter. I had approximately £46,000 of debt and no equity as I live in rented accommodation. Due to a one-off Christmas bonus, my Child Tax Credit reduced by £120 a month, so I had to start using credit cards to pay for rent, food etc. Went on like this for over two years before I realised it had got totally out of hand and all my credit cards had reached their limit. Had managed to pay minimum amounts up until then, but fell behind with payments and started to receive letters and phone calls at home and at work.
  • My interaction with the company:
  • I researched IVA companies on line and found ClearDebt had many good reviews, so completed their on-line debt analyser. Before Id finished, I had a call from them asking if they could help. They went through everything with me, explained my options and decided that an IVA was the best route to take. Made a few amendments to my outgoing figures, and worked out a realistic figure for the IVA proposal. I received the documents 2 days later, completed the forms, found all the information they required and returned them. One week later, the final IVA proposal documents were returned to me to check and a week after this, they arranged a creditors meeting. The meeting was held at 12.00 and they rang me 20 minutes later with the results of the vote. My IVA had been accepted with an increase of £50 per month, which was easily do-able within the allowances I had been given. To say I was relieved would be a gross understatement.
  • Why I gave the ratings I did:
  • I rated them 10 out of 10 because they were very understanding and helpful during what was a very stressful and upsetting time for me. After they had sent out documents, they rang to see if I needed any help with them. I emailed them a few times and received a very quick response. I would have no hesitation whatsoever in recommending them to others.
  • One thing they did - which really impressed me:
  • Two things which really impressed me were the speed at which all the documentation was prepared and sent out and the helpfulness all the staff to whom I spoke.
  • One thing they did - which I felt could be improved:
  • I do not think anything could be improved upon. 
  • Other points
  • Have just paid my first instalment under the IVA and am actually looking forward to Christmas this year. In future, I will pay for everything with cash and even when the IVA is completed and I may be able to get credit, I will not. I will NEVER get into this situation again. Not sure of the agreed dividend under my IVA, but over half of my debts were written off.

Community Comments of this review

  • Quality?
  • Genuine?
  • Date
  • 5 out of 5
  • 5 out of 5
  • 07 January 2008

Comment this review

Attention IVA community: Please help us police the quality of the reviews being posted:

  • How informative was this review?
    • Not useful
    • Bit vague
    • ok
    • Informative
    • Very Informative
  • How genuine does this review look?
    • This is Spam
    • Doubtful
    • Don't know
    • Probably Genuine
    • Definitely Genuine
  • Your comments: (optional)
  • Please leave your name and email(will not be displayed):
  • Name: (optional)
  • Email: (optional)
  • Please Enter the Text in the image below:
  • (Your IP address will be recorded but not displayed)

Submit a review urgently need your IVA and IP reviews so that we can provide a more accurate representatation of who is doing a good job and who needs to improve. Your reviews will help other people in your situation find the best IVA Firm or IP to talk to. will send prizes of gift vouchers to the authors of the best reviews.

We are looking for 3 types of reviews:

  • Free advice/consultation from an IVA Firm

Was it impartial? Did they have clear expertise?

  • IVA proposals

Was it successful? Were you happy with the service?

  • IVAs in progress

How are they handling your case? Is the IVA progressing ok?
Click here to submit a Review

IVA Calculator

  • Find out if an IVA can help you?
  • See how much debt you can write off.

Reviewer quotes

  • ClearDebt
  • it has all been very impressive but mainly the speed of it all, it has gone through very quickly

    Review from Japp, 16-Sep-2010

Search for IP/IVA Firm

  • Search:
  • (search is fuzzy - part of name is fine)

Last 10 Reviews

  • Name
  • Rating
  • Age
See all 6139 reviews

Last 5 comments(for Reviews)

  • Name
  • Quality
  • Genuine?
  • I have problems with ppi claims paid into my iva freeman jon es does not inform you as to the way t...
  • i9 am with freeman jones and have been for 3 years at first they were good now three years down the ...
  • Wait until they get to year 3 and NTF are never off the phone trying to increase their payments. It ...
  • I must agree with some of the comments I spoke to FJ this morning only to be told that my relashions...
  • Please accept my apologies for the service you have received. I would like to look into the problems...
See all 1475 comments

Best Reviews

  • Rating
  • Author

Popular Reviews

Insolvency Advice Articles

Click on one of the headings below to read a range of articles on insolvency:

Reviews on is rated 3.9 on a scale of 5 based on on
Latest review:
A useful site that is free to use and full of useful... - by , 01/03/2008
5/ 5stars

Good Points

Very informative with lots of useful information. A lot of reviews on firms that really help understand their customer service and ability. The reviews appear to be genuine as they offer interesting insights. Didn't really use the the map but looks impressive!

Bad Points

The site is a bit cluttered and sometimes hard to navigate around.

General Comments

A useful site that is free to use and full of useful information about IVAs. If you are thinking of doing an IVA then this is a must use site.